Re: As for mobile wallets...
"I don't know what percentage of Android phones have NFC at this point, but none has that I have owned to date. "
I don't buy expensive phones and I have never owned an Android phone that hasn't. The 4 we currently have all do and only one cost as much as £300. A number of Chinese phones don't.
But to my mind the advantage of phone payments is this; you can turn NFC off. You can't turn a card off except via a tinfoil wallet.
Also, the account used by the phone is a step removed from your actual credit or debit cards.
Whether that's a big enough reason I can't say but it works for me.